SBA Financing

Commercial / SBA Financing

The Right Small Business Loans Solutions for Your Growing Business

Centier is a leader in Small Business Loan programs including Basic 7(a), SBA Express, and the 504 Loan Program. Centier is consistently the market leader in SBA loan originations. We have achieved the highest level certification with the SBA. As a Preferred Lender Program (PLP) lender, we have the ability to approve SBA loan in-house, allowing us to act quickly and efficiently.

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SBA Financing Options

SBA 7(a) Loan

A loan for starting, acquiring and expanding a small business. This type of loan is the most basic and the most used within SBA's business loan programs. Centier also offers a SBA 7(a) Express, a loan featuring an accelerated turnaround time for SBA review.

  • Ideal for longer term financing for businesses with net worth below $15 million and an average net income below $5 million
  • Loan amount up to $5,000,000
  • Terms are up to 7 years for working capital, 10 years for equipment, and 25 years for real estate
  • Rates are fixed or variable
SBA 504 Loan

A loan to provide financing for major fixed assets such as equipment or real estate.

  • Ideal for longer term financing for businesses with net worth below $15 million and an average net income below $5 million
  • Loan amount is up to $6,500,000 for the Centier financed portion
  • Terms are up to 20 years on Real Estate and up to 10 years on machinery or equipment
  • Rates are fixed or variable

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